This is the formula for calculating the minimum repayment amount of CCB. If the calculated minimum repayment amount is less than 200 yuan (or 50 US dollars/euro), the minimum repayment amount shall be 200 yuan (or 50 US dollars/euro); if the total repayment amount is less than 200 yuan (or 50 US dollars/euro) ), the minimum repayment amount is equal to the entire repayment amount.

So if you swipe a card for 400 yuan, the minimum repayment amount should be 40 yuan according to the formula, but because it is less than 200 yuan, it is calculated as 200 yuan, so the minimum repayment amount is 200 yuan. In addition, as a reminder, if you repay according to the minimum repayment amount listed on the bill, the consumption payment will not enjoy the interest-free period, and all transactions on the bill will calculate interest at a daily interest rate of 0.5% from the transaction date.